Strategy for streamlining mix of solo 401k, IRA, 401k, & 403b accounts?

[tpac]

My spouse and I have the bulk of our retirement savings in 2x vanguard solo 401k accounts, but we also have ~$40000 spread out over 6x other smaller retirement accounts (listed below). Of these 6x smaller accounts 3x are leftover from old employers and 3x were setup independently. These smaller accounts include accounts at vanguard, tiaa and domini.

Should we try to consolidate all of these smaller accounts over to vanguard? Or leave our 2x vanguard solo 401k accounts in place and consolidate all of the smaller accounts (including the 3x vanguard IRAs) over to fidelity, schwab etc.?

Here is the full list of smaller accounts:
1x tiaa 401k - old employer account
1x vanguard IRA - not related to an employer
1x vanguard IRA - previously rolled over from old employer
1x domini - roth IRA, not related to an employer
1x tiaa 403b - spouse, old employer account
1x vanguard IRA - spouse

I'm currently of a mind to roll the 6x smaller retirement accounts over to schwab and then make any future traditional IRA / roth IRA contributions to schwab where, if I understand it correctly, I think we'll have access to a more robust investment platform than what vanguard offers that could give us some extra flexibility. That said I have near zero confidence in my knowledge of how the variety of options I have here compare so I am very much looking for input.

[terran]

One thing to consider is that employer accounts are protected from lawsuits by a ERISA which is a federal law. This law doesn't apply to IRAs or solo 401(k)s. IRAs are protected by state law, which varies in the level of protection. I'm not actually sure where solo 401(k)s fall, but probably state law as well. There may also be some extra protection for rollover IRAs from a workplace plan as long as you don't mix the account with direct contributions. I probably wouldn't let this keep money in a bad workplace plan, but all other things being equal I'd probably keep the money in whichever workplace plan I liked best and roll over what they would let me roll over there. If the workplace plans all have high fees and/or bad investments then I'd roll them out to IRAs though.

[MustacheAndaHalf]

I prefer Schwab's customer service over Vanguard's.

You could start by opening an IRA at Schwab (matching two of your IRAs at Vanguard).  Then "move money" and select account transfer, which uses "ACATS".  Essentially, your stocks are held in a central database that Schwab and Vanguard both use, and those records can be moved electronically from your Vanguard account to your Schwab account.  No selling needed.

[tpac]

I prefer Schwab's customer service over Vanguard's.

You could start by opening an IRA at Schwab (matching two of your IRAs at Vanguard).  Then "move money" and select account transfer, which uses "ACATS".  Essentially, your stocks are held in a central database that Schwab and Vanguard both use, and those records can be moved electronically from your Vanguard account to your Schwab account.  No selling needed.

Same experience with customer service - Vanguard's customer service has probably taken a year off my life at this point and I have had zero issues with Schwab while managing other accounts there.

Assuming I go this route and consolidate our non-solo 401k retirement holdings into IRA accounts at Schwab what would make sense for investment order going forward? (1) Solo 401k then (2) IRA or (1) IRA then (2) solo 401k?

[MustacheAndaHalf]

I've personally moved some of my Roth IRA assets from Vanguard to Schwab, which is why I suggested that first.  I have no experience with Solo 401k accounts.

I prefer to keep the same type of account during a transfer.  Meaning Traditional IRA assets move into a Traditional IRA account.  If you transfer between account types to consolidate, you may want to ask about specific combinations over in the "Taxes" area to see if there is a tax impact.  Especially with a mix of after-tax and pre-tax accounts.